Martyn Saville

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Martyn is a Principal Policy Adviser at Which?, prior to which he spent six years working in the Which? Money Research team. Martyn writes mainly about debt, protection and credit, as well as wider finance issues. Little known facts include that he speaks German, paints a lot and is something of a Grace Jones fan.

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Post by Martyn Saville

Are ads for ‘dead fast cash’ irresponsible?

by , Principal Policy Adviser Money 8 May 2013
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Kerry Katona

Given her history, Kerry Katona seems an odd choice to front a marketing campaign for a payday loans company. And it seems the advertising watchdog agrees, as it has deemed the Cash Lady TV ads ‘irresponsible’. (more about payday loan adverts...)

4 people have joined in this Conversation

Interest-only mortgage shortfall: could your home be at risk?

by , Principal Policy Adviser Money 2 May 2013
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Interest only mortgages

Nearly half of those with interest-only mortgages set to mature before 2020 face a shortfall at the end of their mortgage deal. Have you saved up enough to repay your interest-only mortgage? (more about interest-only mortgages...)

8 people have joined in this Conversation

How do credit companies get away with it?

by , Principal Policy Adviser Money 4 March 2013
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A man trapped by credit

High-cost credit often grabs headlines, but many mainstream lenders also have products designed to cash-in on peoples’ mistakes and desperation. The new regulator must clamp down on irresponsible lending. (more on high-cost credit traps...)

7 people have joined in this Conversation

Gold and platinum accounts – how looks can be deceiving

by , Principal Policy Adviser Money 18 December 2012
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A white horse painted like a zebra

Savings accounts with names like ‘Extra High Interest’, ‘Midas Gold’, ‘Extra Special’ and ‘Triple Gold’ all sound promising, don’t they? But then you see the paltry interest rates on offer, and they're all a bit of a let-down. (more about badly-named savings accounts...)

8 people have joined in this Conversation

Stock market saving rates without the risk – what’s the catch?

by , Principal Policy Adviser Money 17 December 2012
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Money on chess board

If you’re disappointed with bank savings rates but wary of investing in an unpredictable stock market, would you be tempted by a product that offers the best of both worlds? That’s the idea behind structured deposits. (more about structured deposits...)

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Do you keep cash in your couch cushions?

by , Principal Policy Adviser Money 28 November 2012
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Money under the mattress

Across the UK, we’ve got around £320m in loose change just hanging round the house. But how much money do we have stored up in loyalty schemes, foreign currency, gift vouchers, rail vouchers... the list goes on! (more about spending loose change...)

5 people have joined in this Conversation

Regional debt divide: is it grim up north?

by , Principal Policy Adviser Money 14 November 2012
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A map of the UK with a pin in Newcastle

It won’t surprise you to hear there’s a divide in economic prosperity between different regions of the UK. But what might surprise you is the scale of the disparity. (more on the regional debt divide...)

4 people have joined in this Conversation

Debt advice: you can get something for nothing

by , Principal Policy Adviser Money 6 November 2012
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A pencil rubbing out the word 'debt'

Half of people who pay fees for debt management plans don't know they can set up these plans for free. Worse still, research has found that plans set up by fee-charging companies are more likely to fail than free ones. (more about free debt advice...)

4 people have joined in this Conversation

Would you split up with your bank over ethics?

by , Principal Policy Adviser Money 30 October 2012
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Man weighing up angel and devil

Switching your bank account to a more ethical provider may seem appealing, but will the service be as consistent as your current provider? Are you tempted to move to a more ethical bank? (more about ethical banking...)

8 people have joined in this Conversation

Are you worried about repossession?

by , Principal Policy Adviser Money 23 October 2012
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A picture of a house sinking in water

Our latest research has found that one in four people with a mortgage are worried about having their homes repossessed. Is there anything government and lenders can do to address this lack of confidence? (more about home repossession...)

5 people have joined in this Conversation

A trip back in time: bank charges have never been simple

by , Principal Policy Adviser Money 3 October 2012
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Cartoon of a man looking furiously at a calculator

I’ve been hunting through the Which? magazine archives to see how long banks have been charging confusing and unfair fees. My search spanned nearly 50 years of magazines and uncovered some eye-opening findings… (more about confusing bank charges...)

6 people have joined in this Conversation

Could you deal with the financial impact of cancer or a stroke?

by , Principal Policy Adviser Money 25 September 2012
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Coins in a jar

When someone falls seriously ill through a stroke or cancer, it’s the immediate health effects that are understandably at the forefront of your mind. But the financial impact can be severely damaging too. (more on financial impact of bad health...)

6 people have joined in this Conversation

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